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Bank accounts count for credit history, not a lot but it is a start so get a checking and savings account. Whatever credit card you have the oldest one keep it forever it (with no blemishes ever on that one) WILL increase your score over time.
Get a joint account credit card, will help piggyback you as well to getting a higher amount you can owe. Not authorized signer but a joint account. Now to explain why this is important if your credit limit is 500 and you spend every month 200, you are using most of your potential credit, giving you a low score. If you spend 200 and your limit is 25000, then you will have a higher score since you are using a smaller percentage of your available credit. You do not want to cap out your card more then 30% the value.
Every year I try to get a credit increase on my cards, if they ask may I run your credit, decline, that means you have reached the most they will most likely lend you and it will just give you a credit hit.
Do not have companies check your credit unless you need to, every hard inquiry affects your score!!
And if you really need to boost your score for whatever reason, and willing to spend some $ for it, get any short term installment loan you can, since having different types of credit help as well.
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Now, a clever man would put the poison into his own goblet, because he would know that only a great fool would reach for what he was given. I am not a great fool, so I can clearly not choose the wine in front of you. But you must have known I was not a great fool, you would have counted on it, so I can clearly not choose the wine in front of me.
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